Visbanking Logo
Skip to main content

Bank Of Clarks

IDRSSD: 76153
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #76153 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.4% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +14
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ -2
69
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 102.4%, cash 3.4% of assets.

Cash / Assets
3.44%
Loans / Deposits
102.42%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.43%
No watch items at this period.

Capitalization

StableQoQ +14
64
Sub-score

Capital position is stable: Tier 1 RBC 10.80%, CET1 10.80%, leverage 9.47%.

Tier 1 RBC
10.80%
CET1
10.80%
Leverage
9.47%
No watch items at this period.

Asset Quality

StableQoQ -10
78
Sub-score

Asset quality is stable: Adjusted NPL 1.50%, Texas Ratio 11.3%, NCO YTD 0.09%.

Adjusted NPL
1.50%
Govt-guarantees stripped
Texas Ratio
11.3%
NCO YTD
0.09%
30-89 PD
2.30%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
70
Sub-score

Reserves are stable: ALLL 1.39% of loans, coverage 93.9%, true coverage 93.9%.

ALLL / Loans
1.39%
Coverage
93.9%
True Loss Coverage
93.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 16:33:59 UTC